Ask Patty is Featured on Oprah's XM Radio Station with Jean Chatzky!

Women are flexing their financial muscles more than ever before,
earning more money and gaining increased buying power. They're also
taking on tasks formerly thought of as "the man's job," including
buying cars and making home improvements. For advice that either
of the sexes could certainly use, Jean talks to two guests: Heidi
Baker, founder of a home improvement website directed at women, and
Jody DeVere, founder of a website that offers women automotive advice
and information.

Heidi's advice for taking on home improvements

Know that something is going to go wrong, and accept it when it does, says Heidi.

Let yourself use tools that are seemingly made for a man. There is no reason to purchase a woman's set.

Weigh
your options. You could buy a home that is complete or you could
purchase a fixer-upper. While it's probably easier to buy the complete
home, you'll be surprised at how much better you'll feel if you put a
little of yourself—and your work—into your house.

Know your limits. Leave electrical and plumbing work to the professionals.

Jody's tips for buying a car

First
figure out why you need or want the car. "It's a lifestyle choice, so
you need to figure out your reason," Jody says. "What problem are you
trying to solve?" The answer to this will likely make a big difference
in the vehicle you purchase.

Once you
know what you're in the market for, compare options online. Look at
safety and crash ratings, pricing, and included features or options.

Know
that everything is negotiable. It can be a good idea to shop at two or
more dealers, and have a good idea of what you're willing to pay.
Competition will give you an edge.

If you have a trade-in, make sure you find out its value in advance. There are many websites to help you.